Airtime Loan is a digital lending service that allows qualifying customers to access airtime loans effortlessly from anywhere.

Customers can access a minimum of N200 up to N5000 subject to 25% of average monthly turnover in the last 6 months plus scoring mechanism.

The maximum tenor is 7 days; however, customers have the option to decide if they want to pay up the loan before 7 days or next credit inflow.

The interest rate is 12.5% flat on the principal amount; a penal charge of 1% on the 8th day after airtime disbursement.

Yes, a Credit Insurance fee of 2.5% per transaction applies.

The airtime loan will be disbursed to your phone number in one minute.

You can apply using USSD by dialing *894*11#.

You must have been a customer of the Bank for a minimum of six (6) months to qualify for the loan.

You can access the loan if you do not have any outstanding airtime loan/ FirstCredit loan due for repayment.

Yes, both with the regular phone or smart phone.

No, you can only apply with the phone number activated for USSD.

• You will be charged a penal fee of 1% on your outstanding loan amount.
• You may also be blacklisted.

• Quick airtime to meet urgent call needs anytime and anywhere.
• No guarantor required.
• Available for use every day (weekdays/weekends/public holidays).
• No need to visit the Bank

• Yes.

• Yes.

• Yes, but you will only have one running loan at a time.

• No, you can only be scored on a six-month transaction history.

• No, you cannot. Pay your existing loan to access a new one.

• Fast/Easy airtime to meet communication needs.

• Yes, you can send airtime loan to any desired phone number.